Thowfic Jaharuadeen
Bengaluru
Summary
Experienced in comprehensive US mortgage analysis Into expert in credit analysis, document review, and compliance. Proven track record of delivering high-quality loan processing within strict timelines.Expertise in underwriting support, income analysis, and regulatory compliance (RESPA, TILA). Adept at handling complex loan scenarios, mentoring teams, and driving process improvements to enhance productivity and turnaround time. Foreclosure,Claims,Loan Origination and Loss-Mitigation, leveraging a strong understanding of financial principles, risk assessment, and industry regulations. Skilled in conducting thorough evaluations of mortgage applications, assessing creditworthiness, and determining appropriate lending terms. Proficient in utilizing analytical tools and software to identify key metrics and trends, enabling informed decision-making. Adept at collaborating with cross-functional teams to ensure accurate and efficient processing of mortgage data. Dedicated to maintaining compliance with legal and organizational standards while delivering exceptional service to clients. Hold a strong track record of delivering high-quality analytical insights in the mortgage Operational Risk Experience lending industry.Managed arange of commercial and contractual advisoryand transactional work,
including payments and maintaining servicing over the life of the for USbank.
Currently working in commercial lending operation that supports the loan
service/Syndication function.
Ensure all information accurate,all
standards,guidelines,regulations.
Focus on documents reading for loan setup,transaction of high size,risk,complexity
and/industry specialization.
Provide support service relationship manage by performing account related client activities which includes processing transaction,account setup and maintenance.
Seasoned Business Process Lead with expertise in optimizing business operations and driving efficiency. Strengths include strategic planning, project management, and process improvement. Demonstrated ability to lead cross-functional teams, streamline workflows, and implement innovative solutions that enhance productivity. Committed to fostering business growth through improved processes and efficient systems.
Skilled Data Validation Analyst with background in data quality assurance and compliance. Possess strong skills in statistical analysis, data interpretation, and problem-solving, coupled with proficiency in database management systems. Demonstrated success in identifying and resolving data inaccuracies, ensuring optimal data integrity for significant business decision-making processes. Recognized for ability to improve operational efficiency through effective data validation strategies.
Proven experience in financial reconciliation and discrepancy resolution. Strong analytical skills with keen attention to detail, demonstrating proficiency in identifying variances and errors, ensuring accuracy of financial data. Notable success in improving operational efficiency by streamlining reconciliation processes and implementing strategic financial procedures. Demonstrated ability to work collaboratively in team-oriented settings, contributing to productive and efficient work environments.
Seasoned Home Loan Consultant with background in handling diverse mortgage products. Strong knowledge of loan origination and approval processes, credit policies, financial concepts, and customer service standards. Proven ability to guide clients through complex procedures while maintaining high levels of satisfaction. Significant impact made in previous roles by successfully closing loans and ensuring smooth transactions for clients.
Efficient Loan Originator Assistant known for productivity and completing tasks swiftly. Specialize in loan processing software, regulatory compliance, and customer service. Excel in communication, problem-solving, and time management to ensure smooth loan origination processes. Ready to leverage skills in fast-paced environments.
Efficient Mortgage Processor with comprehensive knowledge of loan origination and closing procedures. Familiarity with compliance regulations and financial principles, coupled with solid computer skills, enhances productivity. Demonstrated strengths in maintaining high levels of accuracy and quality under tight deadlines while ensuring customer satisfaction. Previous roles have resulted in streamlined processing systems and improved client relationships.
Overview
3
3
years of post-secondary education
7
7
years of professional experience
Work History
Team Lead
Tata Consultancy Services
Bengaluru
03.2025 - 12.2025
- Customer Take On is a part of PAYMENTS recoveries,Data validation ,Data Remediation and disclosures to dedicated only for LLOYDS Bank customers.
- transactions handled by the customer will be monitored and executed here. The team deal with ‘impaired debt’ where Data validation
- the customer has a trouble in meeting the repayments and their obligation to the bank.They will work closely with the repayment Approval
- customer and/or their representatives to identify the most appropriate repayment options.
- The customer transitions to Recoveries once a specified period has elapsed after the formal demand has been sent to borrower
- issued, with no resolution for different parts of the commercial arena. Recoveries comprise of several different
- support teams who each perform different processes to help manage the debt and support our customers.
- Led cross-functional teams to streamline business processes and enhance efficiency.
- Analyzed workflow inefficiencies and recommended process improvements for client projects.
- Developed training materials to support team members in new operational procedures.
- Managed project timelines and deliverables to ensure alignment with client expectations.
- Mentored junior team members on best practices in process mapping and analysis.
- Developed detailed business process models to document current state processes and identify opportunities for improvement.
- Prepared status reports on project progress for senior management review.
- Provided guidance in developing training materials for users of new or updated processes.
- Monitored performance metrics against established goals after implementation of process changes.
- Performed root cause analysis on identified problems in order to recommend long-term solutions.
- Resolved issues arising during implementation of process improvements in a timely manner.
- Identified potential risks associated with process changes and developed mitigation plans to address them.
- Organized client meetings to provide project updates.
- Audited company's legal documents to verify compliant policies and procedures.
- Analyzed credit data and financial statements for loan approvals.
- Evaluated customer creditworthiness using various financial models.
- Prepared detailed reports on credit risks and trends for management.
- Collaborated with underwriting teams to assess loan applications efficiently.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Negotiated payment plans with customers, achieving sales and cash flow objectives.
- Maintained accurate records of all transactions related to credit activities.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Monitored and maintained compliance with internal controls and government regulations.
Senior Banking Operations Analyst
Accenture
Chennai
11.2023 - 01.2025
- Processing all Past due and Flex book off related and Credit Agreement, credit appraisal, portfolio analysis and credit Rating activities.
- Performing Creation and Termination of Tranche as per the instructions.
- To Record, Track and document all queries received and problem-solving steps taken.
- To Prepare the calculation of Adjustment and Refund entry to reconcile the outstanding breaks in TLM.
- Supporting the team by processing other admin queues whenever required.
- Maintaining Tracker and updating daily production activities of team members.
- Monitor the team daily to ensure all SLAs are met and escalate exceptions immediately for resolution.
- Supervise processes like Deal Closing, Drawdowns, Rollovers, and Past Due Reconciliation.
- Analyzed operational data to identify improvement opportunities in processes.
- Identified areas of risk exposure related to operations activities and developed mitigation strategies.
- Created detailed documentation outlining procedures for all operations-related activities.
- Created test cases and scenarios for documentation and root cause analysis of bugs.
Senior Escalation Representative
Wells Fargo
Bengaluru
08.2018 - 11.2023
- 5+ years' experience working with Loan Operations, Loan Origination and Loan servicing
- Performed detailed analysis of borrower financials, including income, assets, and liabilities; calculated DTI ratios and eligibility
- Verified employment, income, and asset documentation for eligibility assessment
- Coordinating and grooming the team members to meet their targets.
- Coordinated with appraisers, title companies, and underwriters for loan approval
- Maintained compliance with federal mortgage regulations and internal policies
- Ensuring complete the Loan Origination and Foreclosure loan package like Form 1003,W-2Forms,Pastubs,Tax Returns(Espically self employed)and First legal document, Foreclosure chronology, Legal Description, Deed of trust, loan modification, loss-mitigation documents with all the supporting documents.
- Analyzing and processing the loan through the guidelines (Procedure) loan program for the borrower.
- An expert in (End to End) especially in FHA Claims Loss Mitigation, Loan modification, Loan Document Intake, Trial Payment Plan Monitoring, Mod Fulfilment and identifying all kinds of Special Forebearance and all the US Mortgage documents.
- Regular cascading / providing training / refreshers sessions on updates latest updates received from business and investors to all team members.
- Conduct the regular knowledge checks with the teams.
- Collaborated with team members to enhance customer service strategies.
- Managed customer relationships through effective communication and problem-solving.
- Trained new representatives on company policies and procedures.
- Utilized banking software to process transactions and maintain records.
- Consistently met daily performance goals set by management team members.
- Processed customer orders and collected payment information.
Education
Bachelor of Arts - Commerce
Bishop Heber College
Trichy 06.2014 - 05.2017
XIIth - English
Tamil Nadu
Tamil NaduXth - English
Tamil Nadu
Tamil NaduSkills
- US Mortgage Operations
- FHA Claims
- Loss mitigation
- Loan Modification
- Loan Operations
- Loan Servicing
- Payment Systems
- Commercial Lending
- Compliance auditing
- Debt recovery strategies
- Loan Syndication
- Risk assessment
- Performance monitoring
- Team leadership
- Training development
- Loan Origination System
- Credit Analysis
- Credit Appraisal
- Credit Management
- Credit Agreement
- Rate Analysis
- Operational Risk Management
- Complaints Management
- Loss Mitigation
- Claims
- Claims processing
- Claims Specialist
- Data validation
- Credit analysis
- Root cause analysis
- Compliance monitoring
- Project management
- Workflow optimization
- Problem solving
- Effective communication
- Customer relationship management
- Teamwork and collaboration
- Decision-making
- Risk management
- Team building
Accomplishments
- Spot award received for best team player
- Star Award for highest productivity in a week
- Certified as a Best performer in the team
- Best Process Trainer
- Best performer of the month to achieve the target and quality
Hobbies and Interests
- Cricket
- Football
Languages
- English
- Tamil
Application Experience
- Black night
- Encompass
- Calyx Point
- Loan sphere
- Msp
- Web direct
- Mobius
- Yardi
- Safeguard
- Flexbook
- Helios
- TLM
- XMC
- QMA
- GLDC
- MS Office
- DMC
- Pega8
- Commercial workspace
Languages
Tamil
First Language
English
Proficient
C2
Timeline
Team Lead
Tata Consultancy Services
03.2025 - 12.2025
Senior Banking Operations Analyst
Accenture
11.2023 - 01.2025
Senior Escalation Representative
Wells Fargo
08.2018 - 11.2023
Bachelor of Arts - Commerce
Bishop Heber College
06.2014 - 05.2017
XIIth - English
Tamil Nadu
Xth - English
Tamil Nadu